Does Diversity of Financial Services Really Improve Bank's Performance?
基于1996-2007年七个OECD国家359家银行的数据，研究发现金融服务多样性对银行收入有负面影响，且表外业务和非利息收入对美国和欧洲银行的影响相反。
Based on the data of 359 individual commercial banks from seven major OECD countries during the 1996～2007,the paper studies the relationship between banks income and the diversity of financial services. The study found diversity of financial services has negative effect on the banks income,market risk and credit risk decrease the banks income,macro-economy also increase banks income.Sub-period model found the same results as basic model,off balance sheet activities and non-interest income are negative related to bank income, but the negative impact of non-interest only appeared in the periods of 1996～2000 and 2001～2006.Sub-national study found that:off balance sheet activities and non-interest income has a negative impact on the U.S. banks,whereas they have a positive impact on the European banks.